It’s Time To Put Bad Behavior Into Remission – Just Say No To Bad Behavior!
“Why should I pay for this? It’s for a $150,000 hospital bill on Lupita, our 27-year-old accounting clerk in the credit department. Tell the TPA to stop payment!” said Mr. Ruben, the owner of the company.
“But Sir, it is a covered expense. Why don’t you want to pay it?” I asked.
“Because Lupita doesn’t take care of herself so why should I! She is a diabetic who likes to party, go out with her friends and party late into the evenings and she doesn’t take her insulin regularly. It finally caught up with her, she went into a diabetic coma and look what I have now, a $150,000 bill for her bad behavior!”
He had a point. Health plans don’t cover medical services for injuries sustained in the commission of a robbery, do they? That’s bad behavior, isn’t it?
Policy language under EXCLUSIONS could include “This plan does not cover health conditions caused by bad behavior. You know what those are so there is no need to list each here. In case you need a reminder, call your mother.”
Health plans, for the most part, are essentially Bad Behavior Plans aren’t they? Building a Good Behavior Plan is hard to do unless the plan sponsor adopts a Motherhood Approach and that’s not easy. Nor should it be appropriate either. To do so is tacit admission of the failure of Motherhood as one grows up towards adulthood.
“I remember when I was a kid I used to come home from Sunday School and my mother would get drunk and try to make pancakes” – George Carlin
